No to both. Lorica doesn't lend, and it isn't a bill-pay service.

There's no loan, no line of credit, no advance. Every payment Lorica sends comes from money you've already put into your own clearing account. Lorica never fronts money on your behalf and never covers a gap with its own funds.

If you're ever unsure whether a payment can go out, message us and we'll walk through it with you.

Rent, utilities, phone, insurance, subscriptions, tuition — Lorica doesn't pay any of them. It pays the unsecured debts in your plan, and nothing else.

If you want something to handle your regular household bills, your bank's own bill-pay is the right tool for that. Lorica does one job.

One subscription fee, charged to your card through Stripe. It never comes out of your clearing account, and Lorica takes no cut of the money you put toward your debts.

See "What your subscription covers — and the fees there aren't."